BDO offers one of the Philippines' most competitive home loan rates — starting at 6.00% p.a. fixed. If you're currently paying more, Nook can help you refinance for free.
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Why this matters
BDO Unibank is one of the Philippines' largest and most trusted banks — and its home loan product is a popular choice for Filipino homebuyers and homeowners looking to refinance. For 2026, BDO is offering a 1-year fixed rate of 6.00% p.a., which is significantly lower than the 8% to 10% rates many existing borrowers are still locked into. Whether you're purchasing a new property or refinancing an existing mortgage, BDO's flexible loan terms and accessible income requirements (minimum monthly income of ₱50,000) make it a strong option for salaried employees, self-employed professionals, OFWs, and BPO workers alike. Typical approval takes around 30 days, and BDO accepts a wide range of loan purposes including RFO units, pre-selling properties, renovation, and refinancing.
If you already have a home loan with another bank and are paying a higher rate, refinancing to BDO through Nook could save you tens of thousands of pesos every year. For example, a ₱3,000,000 loan balance at 8.50% carries a monthly payment of around ₱26,123. Switching to BDO's 6.00% rate drops that to approximately ₱21,988 — a saving of over ₱4,000 every month. Over the remaining life of your loan, that adds up to hundreds of thousands of pesos in total interest savings. You can also explore BDO's full refinancing rate guide to see how different fixed periods compare.
Applying through Nook is completely free for borrowers. Nook acts as your digital mortgage broker — comparing BDO's offer alongside other partner banks to make sure you're getting the best deal available to you. There are no broker fees, no hidden charges, and no obligation to proceed. Our team handles the paperwork coordination and bank communication so you don't have to. If you want to understand what documents you'll need upfront, our complete guide to BDO housing loan requirements walks you through everything step by step. Note: Interest rates are subject to change. Please verify current rates with BDO or through Nook before making any financial decisions.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
BDO is currently offering a 1-year fixed rate of 6.00% p.a. for both standard home loans and home equity loans. This rate applies to qualified borrowers and is subject to repricing after the fixed period ends. Always confirm the latest rates with BDO directly or through Nook before submitting your application.
BDO accepts a wide range of borrower profiles including private employees, government workers, BPO employees, OFWs and seafarers, self-employed individuals, and licensed professionals. The minimum monthly income requirement is ₱50,000, and your total debt-to-income ratio must not exceed 40%. Nook can help you assess your eligibility before you apply.
Yes — refinancing is one of BDO's supported loan purposes, and it's one of the most common reasons Filipino homeowners apply. If you're currently paying 8% or more with another bank, switching to BDO's 6.00% fixed rate could significantly reduce your monthly payments. Nook can handle the entire refinancing process for you at no cost.
BDO's typical approval timeline is around 30 days from the date of complete document submission. The exact timeline can vary depending on the complexity of your application, the property type, and how quickly required documents are provided. Applying through Nook helps streamline document preparation and reduces back-and-forth with the bank.
Yes, Nook's service is 100% free for borrowers — there are no broker fees, application fees, or hidden charges on your end. Nook earns a referral fee from partner banks like BDO only when a loan is successfully disbursed. You get expert guidance, rate comparisons, and document support without spending a single peso extra.
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